Must I make home owner repairs if I think the cause was missed by the insurance adjuster?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 26, 2019

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Insurance Question from Gaithersburg, MD

Asked on 10/26/2019

Must I make home owner repairs if I think the cause was missed by the insurance adjuster? I believe wall and ceiling water damage was caused by ongoing Water leak at the soffit or roof. I have made multiple claims on this point that the insurance carrier denied resulting in policy cancellation. What can I do?

Answer given on November 07, 2019

Homeowner insurance provides coverages for damages to a home from “sudden and accidental” damage.  If your damage was caused by an ongoing water leak at the roof or soffit, the insurance company may have been denying your claim since it was not a sudden damage, but a loss over time. Unless you can prove when the first damage was found, then the insurance company can deny the claim.  By not repairing it on your own, the water damage has continued, and worsened, and could now involve a mold issue.  Based on all of this, the insurance company may have decided to cancel the insurance.

The best thing you can do is to find a repair place and see if the water leak can be found and repaired. Once you are able to do this, you should be able to find a replacement homeowner insurance policy. It could start with a higher deductible, to be sure the repairs have been made, but then you could try for a lower deductible after a two or three year period.

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